Checked baggage damaged or lost? Airline compensation limits, claim deadlines and 4 steps to claim
Waited at the carousel and your bag never came – or it arrived with a cracked shell or a broken wheel? This page explains what airlines owe you under the Montreal Convention, the compensation limit and the written claim deadlines, and how to get the right proof before you leave the airport.
Last updated: 2026-10-20
Quick answer: bag damaged or missing? Do these 3 things now
- 1. Don’t leave the baggage hall: go to the airline’s Baggage Service counter first.
- 2. Get a PIR: ask staff for a Property Irregularity Report (PIR) – you’ll need it to claim.
- 3. Take photos, keep receipts: photograph the damage and baggage tag from several angles, keep the suitcase, and keep every receipt for essentials bought because of a delay.

- Free to use
- Independent, not linked to any airline or airport
- Information from the Montreal Convention, the Government and the Consumer Council
The Montreal Convention: what is the airline responsible for?
International flights are generally covered by the Warsaw Convention or the Montreal Convention. On flights covered by the Montreal Convention, the airline is liable if checked baggage is destroyed, lost or damaged on board or while in its charge, unless the damage resulted from an inherent defect of the baggage.
1,519 SDR
Baggage compensation limit per passenger (about HK$16,000*), covering damage, loss and delay
7 days
Damaged checked baggage: complain in writing within 7 days of receiving it
21 days
Delayed baggage: complain in writing within 21 days of it being placed at your disposal
* The limit rose from 1,288 Special Drawing Rights (SDR) to 1,519 SDR on 28 December 2024 (Government press release). The HK$ figure is estimated using the IMF exchange rate on 16 October 2026 and varies with exchange rates.
- The limit is a cap, not a fixed payout: you still need to prove your actual loss, such as a repair quote and receipts for the suitcase and items.
- Delayed baggage: the airline is liable for loss caused by delay, such as reasonable spending on essentials – but not if it proves it took all measures that could reasonably be required to avoid the loss.
- Not arrived after 21 days = treat as lost: if checked baggage hasn’t arrived 21 days after the date it should have, you can claim against the airline as lost.
- Terms can’t go below the Convention: any clause that tries to relieve the airline of liability, or set a lower limit than the Convention, is void.
- Want cover above the limit? Make a special declaration of value at check-in and pay any supplementary sum to raise the limit.
- Court deadline: a claim must generally be brought in court within two years, counted from the date of arrival at the destination or similar dates.
Connecting or codeshare flights: under the Convention, you can claim from the first or last carrier, or the carrier on whose leg the problem happened.
Damaged, delayed or lost baggage: 3 scenarios
| Scenario | What airlines commonly offer | What you should do |
|---|---|---|
| Cracked shell, broken wheel or handle | Repair; if it can’t be repaired, money or a replacement suitcase – depreciation may be deducted. | Photograph it on the spot, get a PIR, keep the suitcase and purchase receipt; claim in writing within 7 days. |
| Delayed baggage (didn’t arrive with your flight) | Delivery of the bag to you; reimbursement of essentials, and sometimes a one-off cash allowance. | Get a PIR, check the reimbursement rules before buying essentials, keep original receipts; claim in writing within 21 days of receiving the bag. |
| Lost baggage | Compensation by value of items once declared lost, subject to the Convention limit; depreciation may be deducted. | List the items and their value with proof of purchase; if you have travel insurance, notify your insurer too. |
Terms differ between airlines – this is a general guide only; your own conditions of carriage apply.
Consumer Council survey: airline compensation varies widely
The Consumer Council surveyed 22 airlines flying to and from Hong Kong (8 did not respond) and found wide differences:
- Wheels and handles: 3 said they would not be responsible, 8 would, and the rest did not specify.
- Delay cash allowance: 11 offer a one-off allowance of about HK$237 to HK$1,177; 3 require a delay of more than 24 hours before reimbursing.
- Delays on the return trip: 12 may not reimburse essentials bought during a delay on the return trip home.
- Damage found after leaving the airport: 3 do not accept damage claims discovered after leaving the airport.
- When a bag is declared lost: anywhere from 5 days to 30–45 days; depreciation ranges from 8% to 15% a year, one airline deducts up to 30% in the first year, and two apply none.
- Fragile or valuable items: 9 said they would not be responsible for fragile or valuable items in checked baggage.
Source: Consumer Council CHOICE magazine issue 563 (14 September 2023).
4 steps to make a baggage claim
- 1
Get a PIR on the spot
In the baggage hall, find the baggage service counter for the airline that operated your flight. Show the damage or report the missing bag, and ask for a PIR to be completed with a copy for you. Reports made later by phone, email or online form may not be accepted.
- 2
Take photos and keep evidence
Photograph the damage from several angles, the whole suitcase and the baggage tag barcode; keep the damaged suitcase, boarding pass, baggage tag receipt and all receipts for essentials.
- 3
Claim in writing before the deadline
For damage, claim in writing within 7 days of receiving the bag; for delay, within 21 days of receiving it. Use the template below with the PIR, photos and receipts attached. The airline’s own terms may set other time limits, so check those too.
- 4
Claim on travel insurance as well
Airline compensation is capped and may be depreciated. If you have travel insurance, notify your insurer too; insurers usually ask for the airline’s written incident confirmation and deduct what the airline has paid. Insurance claim rejected? See our guide to rejected insurance claims.
Claim letter template: damaged or delayed baggage
Replace the [ ] parts with your details and send it to the airline’s customer relations team or baggage email / online form. Keep a record that you sent it.
Subject: Claim for damaged / delayed checked baggage (PIR no. [PIR number] / Flight [flight number]) To the Customer Relations Department, [Airline name]: I, [name], travelled on your flight [flight number] on [date] from [origin] to [destination], booking reference [booking reference], baggage tag no. [tag number]. When collecting my baggage at [destination airport] on [date], I found the following: [For example: the left side of the suitcase shell was cracked and one wheel was broken and unusable / the bag did not arrive with the flight and was delivered on [date]]. I reported this at the baggage service counter and obtained a PIR (no. [PIR number]). Under the Montreal Convention and your conditions of carriage, I request that you: 1. Pay for repair of the suitcase, or provide a replacement of equivalent specification, or pay compensation of HK$[amount]; 2. [If applicable] Reimburse HK$[amount] for essential items bought because of the delay (receipts attached); 3. Confirm the compensation arrangement in writing; if you refuse, state the reasons and the clauses relied on in writing. Attachments: copy of PIR, photos of the damage, baggage tag, boarding pass, receipts for essentials. Please reply in writing as soon as possible. [Name] [Phone number] [Email] [Date]
Airline refused or offered too little?
- 1
Ask for reasons in writing
Ask the airline to state in writing why it refused or reduced your claim, and which clauses it relies on.
- 2
Cite the Convention and ask for a review
For example, if wheel or handle damage is called “normal wear and tear”, point out that under the Convention the airline is only exempt if the damage resulted from an inherent defect, and that clauses setting a lower limit than the Convention are void.
- 3
Complain to the Consumer Council
If it still isn’t resolved, complain to the Consumer Council, hotline 2929 2222.
Before you fly: 6 tips
- Photograph or film your suitcase before check-in, showing the shell, wheels and handle.
- Pack medicine, keys, cash, ID documents and fragile or valuable items in your hand luggage.
- For valuables in checked baggage, declare them to the airline and pay any surcharge, or buy suitable insurance.
- Add a ribbon or other marker so no one takes your bag by mistake, and remove old barcode tags after your trip.
- Keep your boarding pass and baggage tag receipt until you have all your bags and they’re fine.
- On arrival, make sure you haven’t taken someone else’s bag, and check yours before leaving the baggage hall.
Source: Consumer Council.
Damaged or lost baggage FAQs
I only noticed the damage after leaving the airport. Can I still claim?
You can try, but it is harder. Under the Montreal Convention, damage to checked baggage must be complained about in writing within 7 days of receiving it. However, the Consumer Council found that some airlines do not accept damage claims discovered after leaving the airport, and you need to show the damage did not happen afterwards. It is best to check your bag before leaving the baggage hall and get a PIR on the spot.
What is the most an airline will pay for damaged baggage?
For international flights covered by the Montreal Convention, the limit for destruction, loss, damage or delay of baggage is 1,519 Special Drawing Rights (SDR) per passenger, effective 28 December 2024 – roughly HK$16,000 at the IMF rate on 16 October 2026, varying with exchange rates. This is a cap, not a fixed payout: you still need to prove your actual loss. Making a special declaration of value and paying a supplementary sum at check-in can raise the limit.
How long before a delayed bag counts as lost?
Under the Montreal Convention, if checked baggage has not arrived 21 days after the date it should have arrived, you can claim against the airline as if it were lost. You can also claim if the airline admits the loss. Airlines declare bags lost anywhere from 5 to 45 days.
Do low-cost airlines refuse to pay for baggage?
No. For international flights covered by the Montreal Convention, liability does not depend on the fare. The Convention also says any clause that tries to relieve the airline of liability, or set a lower limit than the Convention, is void.
The airline says wheel or handle damage isn’t covered. What can I do?
The Consumer Council found 3 airlines said they would not be responsible for wheel or handle damage, while 8 would. Under the Montreal Convention, the airline is liable for damage to checked baggage while in its charge unless the damage resulted from an inherent defect of the baggage. You can cite the Convention and ask in writing for a review; if still refused, complain to the Consumer Council.
If the airline pays me, can I still claim on travel insurance?
Yes, but the insurer will deduct what the airline has paid. The Consumer Council suggests getting written confirmation of the baggage incident from the airline (such as the PIR and any compensation or refusal letter) before claiming from your insurer.
References
- Government press release: Revision of limits of liability in Montreal Convention to be gazetted Friday (11 December 2024)
- Montreal Convention text (reproduced by the Civil Aviation Authority of Singapore)
- Consumer Council: airline compensation for mishandled baggage (CHOICE issue 563)
- IMF: SDR exchange rates
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This page is general information only and is not legal advice. RightlyHK is not affiliated with any airline, airport or government body. Terms differ between airlines – your own conditions of carriage apply.


